2. YOUR OBLIGATIONS AND GUARANTIES

• By signing this document, you acknowledge and embrace the following:

• 2.1 You are legally allowed to enter into these Terms of Use, to be bound by them, and to fulfill your responsibilities in accordance with them.

  2.2 You acknowledge and consent to the strict compliance of these Terms of Use and all relevant laws. You also acknowledge that you are responsible for informing us if you violate any of the aforementioned regulations.

  2.3 You are required to use the system and the service exclusively for legitimate purposes and in accordance with the intended uses.

  2.4 You are responsible for ensuring that all personal information, credentials, and records you provide to us or through the system are accurate, comprehensive, up-to-date, and free of fraud.

  2.5 You are only permitted to access accounts and internet access points that you have been granted permission to use.

  2.6 You are prohibited from engaging in any form of dishonesty, falsehood, or deception.

  2.7 It is strictly prohibited to disrupt or compromise the network that the system is connected to and operates on.

3. AGREE TO THESE TERMS OF USE

• 3.1 You acknowledge and consent to the full reading and comprehension of these Terms of Use, as they are updated from time to time by us, prior to downloading, streaming, or establishing an account with us. These terms will govern the use and functionality of the App and the account.

  3.2 Upon installing the App and selecting the 'Accept' option on our system, you will be deemed to have agreed to these Terms of Use and to comply with them.

  3.3 By installing the App and creating an account, you acknowledge and agree to be bound by the Terms of Use that regulate the operation of the account. Furthermore, you affirm that this agreement does not impact any other legal or equitable rights we may possess regarding the account.

  3.4 We retain the right to modify or alter these terms at any time. Your continued use of the service indicates that you agree to these modifications and their terms. We will inform you of any modifications in a manner that is both reasonable and appropriate.

  3.5 The website may occasionally provide enhancements to the application. You may be unable to access the service until you have downloaded or streamed the most recent version of the App and have agreed to any supplementary terms and conditions of these Terms of Use, depending on the update.

  3.6 By utilizing the App or any of the services, you consent to the collection and utilization of technical data pertaining to the mobile device and its associated software, hardware, and accessories for internet-based or wireless services. This data is used to enhance our services and product offerings. In order to enhance our service, your experience using the app, and/or our credit scoring services, you grant us, our affiliates, and licensees permission to transmit, collect, retain, process, and use your data.

  3.7 In the event that we are unable to contact you through other channels or if we have not yet received payment for the loan described in this Clause 9, you hereby specifically grant us permission to contact you and your emergency contact, provided that they have given their consent, in order to verify your details.

4. YOUR USE OF THE SERVICE

• 4.1 Our service is exclusively available to individuals who are eighteen years of age or older. We reserve the right to contact the appropriate mobile money provider to confirm the legitimacy and current status of your mobile money account.

  4.2 The App will indicate that your account application has been approved. You hereby acknowledge and agree that the approval of your account application by us does not establish a contractual relationship between you and the mobile money providers, with the exception of the terms and conditions that may sporadically apply to your mobile money account.

  4.3 We reserve the right to reject or withdraw your loan application at any time, without providing a reason or prior notice, at our sole and absolute discretion.

  4.4 We reserve the right to grant, refuse, or modify the terms of any loan based on our ongoing evaluation of your credit profile. The application will display the loan terms and the interest associated with each loan application.

5. THE MANNER IN WHICH YOU OPERATE THE SYSTEM

• All rights are reserved and granted.

• 5.1 We and our licensors (if any) grant you a revocable, limited, non-exclusive, non-transferable, royalty-free license to access and use the system exclusively for your personal use in order to obtain the service that we provide, subject to your compliance with these Terms of Use and the territory.

  5.2 We and our licensors, if any, reserve all rights that are not expressly granted to you under these Terms of Use. By virtue of these Terms of Use, you do not acquire any ownership rights to the system, whether in full or in part.

  5.3 It is prohibited for you to:

  5.3.1 to distribute, assign, sublicense, sell, resell, transfer, assign, or in any other manner, commercially utilize or make the system available to any third party.

  5.3.2 access or reverse engineer the primary program, or modify or produce derivative works of the system;

  5.3.3 attempt to access the system or related systems or networks without authorization; replicate any concepts, features, functions, or graphics from the system; use the system to create a rival product or service; create a product utilizing concepts, features, functions, or graphics from the system; or initiate an automated program or script that may make multiple server requests in a single second, or that unnecessarily burdens or impairs the system's operation and/or performance.

  5.3.4 Utilize any software or program to retrieve, index, 'data mine,' or perform any other form of replication or remedy for the system's navigational structure, presentation, or content.

  5.3.5 Remove any copyright, trademark, or other proprietary rights notices from the system, or post, distribute, or reproduce any copyrighted content, trademarks, or other proprietary information without the owner's prior consent.

  5.3.6 transmit, store, or otherwise manage any content for the purpose of engaging in deceptive or unlawful activities;

  5.3.7 send unsolicited communications, such as spam, or otherwise cause annoyance, infuriation, or false arrangements;

  5.3.8 Distribute or retain content that is illegal or tortious in any manner, such as infringing, profane, menacing, defamatory, and so forth.

  5.3.9 transmit content that contains detrimental computer code, files, scripts, agents, or programs, such as software viruses, worms, or trojan horses.

  5.3.10affect or disrupt the integrity of the system's or its data's performance;

  5.3.11falsely assert an affiliation with an individual or entity;

  5.3.12knowingly provide a false address; or

  5.3.13 falsifies any significant information about oneself or that could be relevant to our decision to conduct business with you in the future.

  5.3.14injure the reputations of our company or any of the group enterprises;

  5.3.15 attempt to decrypt any transmissions to or from the servers operating any service, or collect or harvest any data or information from our systems or any service.

• 6.1 In order to access the system as a user, you must establish and maintain an account as an App user.

  6.2 You are accountable for all activities that occur on your account. You:

  6.2.1 Only one account is required.

  6.2.2 It is your responsibility to safeguard the privacy and security of the information associated with your account.

  6.2.3 It is unlawful for you to grant any other individual access to your account or to transfer any data or the account itself to another individual.

  6.2.4 Please notify us immediately if you suspect that your account has been unlawfully accessed or used.

  6.3 In addition to our other rights and remedies, we reserve the right to restrict or prevent access to your account and/or the functionality provided by the App:

  6.3.1 In the event that we determine that you have contravened any of these Terms of Use, we may, at our sole discretion

  6.3.2 during the course of an investigation;

  6.3.3 If you are indebted to us or any of our group companies for any principal, interest, service fees, taxes, or other amounts;

  6.3.4 In the event that these Terms of Use are terminated for any reason; or

  6.3.5 at any other time, provided that it fits our reasonable assessment.

7. YOUR REQUESTS

• 7.1 You hereby irrevocably authorize us to act on any requests that we receive from you or that you may claim to be from you by utilizing the system. You agree to accept liability for any such actions.

  7.2 We reserve the right to decline any Request in connection with a loan application from you, despite the fact that you have already received a loan from us.

  7.3 We shall have the right to accept and act upon any Request that is incomplete or ambiguous, regardless of the cause, if we determine that the incomplete or ambiguous information can be resolved without your involvement, at our sole discretion.

  7.4 We will still be considered to have acted appropriately and fulfilled all of our obligations to you, even if the request was initiated, sent, or otherwise conveyed in error or fraudulently. If we have responded to a request in good faith, you will be held accountable for it, provided that you provided the instructions.

  7.5 We reserve the right to refuse to act on or in compliance with all or any portion of your request at our sole discretion until you provide us with additional information or confirmation (written or otherwise).

  7.6 You authorize us to comply with all or a portion of your requests, and you consent to the release and indemnification of us from any claims, losses, damages, costs, and expenses that may arise as a consequence of our compliance with your requests or our failure to exercise the discretion that has been granted to us.

  7.7 You acknowledge and agree that we will not be held liable for any unauthorized drawing, transfer, remittance, disclosure, activity, or incident on your account that is the result of your knowledge and/or use or manipulation of your account PIN, password, ID, or any other means, to the fullest extent permitted by applicable law, regardless of whether your negligence was the cause.

  7.8 We are authorized to execute any directives related to your account that may be mandated by a court order, competent authority, or agency in accordance with the Applicable Law.

  7.9 In the event of a dispute, these Terms of Use will prevail over any requests transmitted from you.

8. YOUR RESPONSIBILITIES

• 8.1 You are responsible for the provision and maintenance of a safe and effective operational state of your mobile device, as it is essential for accessing the system and the service. This responsibility is your own.

  8.2 It is your responsibility to guarantee that your mobile device functions optimally. We expressly disclaim any responsibility for any errors or malfunctions that may result from the malfunction of your mobile device, as well as any liability for computer viruses or other issues that may arise from the use of the system, the service, or the mobile device. You will be responsible for any associated costs, and we will not be held liable for any losses or delays caused by any service provider that grants you access to the network.

  8.3 The app can be accessed using a mobile device. It is your responsibility to verify that the app you have downloaded is compatible with your mobile device. We are not responsible if your device is incompatible or if you do not have the most recent version of the app for it.

  8.4 In the event that your mobile device is lost, stolen, damaged, or no longer in your possession, and this results in the disclosure of your account information and credentials to another person or otherwise affects Our legal rights and/or remedies, you are required to notify us immediately and follow the instructions we have provided. We will not be held responsible if any third party obtains knowledge of your account details and credentials. By utilizing your account information and credentials, you consent to indemnify us and hold us blameless from any potential losses.

  8.5 You are entirely responsible for setting up an appropriate internet and mobile plan and for paying any fees imposed by your mobile service provider, including SMS, internet data, and phone costs. You acknowledge that the system may use a substantial quantity of data during your use, and you will be responsible for all associated costs and usage.

  8.6 You are required to comply with all policies, guidelines, and instructions outlined in these Terms of Use and any other document that we provide when using the system and the service.

  8.7 service You are required to take all reasonable measures to prevent any unauthorized use of the system and the. Given this, it is imperative that you or an individual acting on your behalf review and verify any correspondence we send you promptly. This will ensure that any unauthorized access to or use of the system will be identified. In the event that the following occurs, you must inform us immediately:

  8.7.1 You have reason to suspect that a transaction may have been fraudulently entered or compromised, and that unauthorised use of the service has occurred, may have occurred, or could occur.

  8.7.2 It is your responsibility to adhere to any security protocols that we may occasionally notify you of, as well as any other protocols that may be pertinent to the service. You recognize that disregarding the recommended security protocols may lead to a compromise of the confidentiality of your account. To be more specific, you are responsible for ensuring that the service is only accessible to those who have been granted permission to use it, make requests, or perform any associated tasks.

9. TERMINOLOGY OF FINANCE

• Service fees and interest

• 9.1 The interest that you are required to pay us in connection with any loan will be displayed on the App. We reserve the right to establish and collect service fees associated with your use of the service, as well as to modify or alter our service fees on an ongoing basis, during this period. The app will display our service fees if we elect to begin charging them or if they are presently in place and undergoing modification or change. We will make every effort to promptly inform you of any modifications to the service fees prior to their implementation. One potential approach to accomplishing this is to notify users of the modifications to the application.

  9.2 You agree to pay all amounts due under these Terms of Use in full, without any setoffs or counterclaims, and free and clear of any deductions or withholdings, except as otherwise required by law. In order to ensure that we receive the full amount that would have been paid had there been no deduction or withholding required, you must promptly pay us the corresponding additional amounts whenever you are obligated to make a deduction or withhold from any payment to us.

  9.3 In the event that you neglect to submit any payments that are due by the due date, we reserve the right to impose late fees on the amount that was lent to you. These penalties will be explicitly stated on the App in advance.

• Taxes

• 9.4 The calculation of any payments that you are required to make in connection with these Terms of Use and loan does not consider any taxes that you are responsible for paying. In the event that taxes are due in connection with the payment, you consent to pay us an additional sum that is equivalent to the payment multiplied by the applicable tax rate. You are required to comply with this condition in addition to making the payment or whenever we make such a demand, regardless of the termination of the connection.

  9.5 By adopting this agreement, you authorize us to withhold funds from your account in the event that we are compelled to do so by law, in compliance with agreements with tax authorities, or to adhere to internal policies or any applicable order or sanction of a tax authority.

• Disbursements

• 9.6 You agree to pay the principle, interest, service fees, and tax associated with these Terms of Use and the loan using the payment options that are periodically displayed and offered on the App, either before or on the due date.

  9.7 Local currency must be used to settle all transactions within the Territory.

10. BY DEFAULT

• 10.1 When you: This event is initiated by default.

  10.1.1 The failure to pay any amount or installment (including all accrued interest, service fees, and tax) payable for a Loan granted under these Terms of Use for a period of fifteen (15) cumulative days; or are declared bankrupt, unless the failure to pay is due exclusively to an administrative error or technical issue.

  10.2 We may, at any time, without limiting any other right or remedy that may be provided to us under applicable law, following the occurrence of an ongoing event of default:

  10.2.1 These Terms of Use will terminate in accordance with Clause 11 of this document.

  10.2.2 Declare that the Loan is immediately due and payable, and that it will become immediately due and payable, including all accumulated interest, service fees, tax, and any other monies outstanding under these terms of use.

  10.2.3 In the event that you are unable to make a payment, we will impose late fees, which will be displayed on the app.

11. TERM AND TERMINATION

• 11.1 These Terms of Use will remain in effect until they are terminated in accordance with their terms.

  11.2 We reserve the right to terminate these Terms of Use and to cease the use of the system, the service, and your account, either in full or in part:

  11.2.1 by providing you with notice at any time for any reason;

  11.2.2 In the event that you violate any of these Terms of Use, you will be promptly terminated, with or without notice, without affecting our other rights and remedies.

  11.2.3 In the event that your mobile money provider or mobile network operator terminates your account or agreement for any reason;

  11.2.4 When technical difficulties or safety concerns necessitate such a suspension or termination; when your account is inactive or latent; or when it is necessary to facilitate the regular updating or upgrading of the service's contents or functionality.

  11.2.5 If a government, court, regulator, or other competent authority mandates that we comply with a directive or requests that we do so, or

  11.2.6 In the event that we elect to suspend or terminate the service for any reason, whether commercial or otherwise, at our sole discretion—

  11.3 In the event that these Terms of Use are terminated or expire for any reason, you will be obligated to:

  11.3.1 Any outstanding principal, interest, transaction fees, or taxes will be promptly due and payable upon termination.

  11.3.2 Remove the application from your mobile device immediately and completely.

  11.4 Nevertheless, the termination will not effect the accumulated rights and obligations of either party.

  11.5 The parties will no longer be subject to any obligations or rights under the Terms of Use after they terminate, with the exception of the provisions of any other clause that are specifically or by its nature intended to survive. These clauses will continue to be in effect after the Terms of Use are terminated, without affecting any obligations or rights that have accrued to either party at the time of termination.

12. EXCLUSION OF LIABILITY AND INDEMNITY

• Payables

• 12.1 You hereby consent to the defense, indemnification, and holding harmless of us, our licensors, and the Affiliates of each of these parties, as well as their respective officers, directors, members, employees, and agents, from and against any and all claims, costs, damages, losses, liabilities, and expenses (including legal fees and costs) that result from or relate to:

  12.1.1 Your violation of any of these terms of use or any relevant legal requirements; and

  12.1.2 The manner in which you utilize the service and/or the system, including:

  12.1.2.1 Any claims made by third parties as a result of your use of the system and/or the service;

  12.1.2.2 Any loss or injury that may result from your use, neglect, abuse, or ownership of any third-party software, including operating systems, browser software, and other software packages or applications, among others;

  12.1.2.3 Any unauthorized access to your account, erasure or access to your data, or damage, theft, or destruction of any of your mobile devices; and

  12.1.2.4 Any loss or damage that we may incur as a result of the violation of these Terms of Use, including but not limited to the malfunctioning or unavailability of third-party systems or facilities, the inability of a third party to complete a transaction, and the submission of false information.

• Exclusion of Liability

• 12.2 We shall not be held responsible for any losses you may incur if any of your mobile devices malfunction or if the service is interrupted or unavailable for any reason beyond our control, such as force majeure or error, interruption, delay, or non-availability of the system, equipment failure related to terrorist or enemy action, power outage, unfavorable weather or atmospheric conditions, or failure of any public or private telecommunications system.

  12.3 The application is intended for private use only. You acknowledge that we are not liable for any loss of profit, interruption of business, or missed business opportunities, and that the App is not intended for commercial, business, or resale purposes.

  12.4 You acknowledge that we shall not be held accountable for any losses or damages that are the result of or related to:

  12.4.1 any defect or issue with the application or any service that results from your customization or modification of the application;

  12.4.2 any defect or issue with the application that results from your violation of these terms of use;

  12.4.3 Your violation of this clause 6;

  12.4.4 Your mobile money account is inadequately funded.

  12.4.5 The system, your mobile device, the network, or a mobile money system fails, malfunctions, is unavailable, or is otherwise impeded; The funds in your account are the subject of a lawsuit or other legal action that limits payments or transfers; You fail to provide clear, sufficient instructions for any payments or transfers pertaining to your account.

  12.4.6 any unauthorized or fraudulent use of the system, your mobile device, or the service; or

  12.4.7Your failure to comply with these Terms of Use and any guidelines or instructions we may have provided for the use of the system and the service.

  12.5 We shall not be liable to you for any indirect or consequential loss or damage of any kind that is a result of or connected with the service, regardless of the cause, even if we are informed of the risk of such loss or damage. Losses and damages are not included.

  12.6 Our maximum aggregate liability in connection with the App, the system, the service, and/or these terms of use, whether in contract, tort, breach of statutory duty, or otherwise, shall not exceed the service fees paid by you to us in connection with the first event giving rise to a claim under these terms of use, to the extent permitted by applicable law and unless otherwise specified in these terms of use.

  12.7 You are required to inform us of any claims you may have against us in relation to the App, the system, the service, or these Terms of Use within six (6) months of the events that gave rise to such claims, unless otherwise specified in these Terms of Use. You will forfeit all rights and remedies you may have with respect to such claim to the fullest extent permitted by applicable law if you fail to comply.

  12.8 We expressly disclaim any liability for:

  12.8.1Communications infrastructure issues that are not under our direct control and may impact the timeliness or veracity of messages you send or the content you access through the application;

  12.8.2Any delays or losses in the delivery of communications or content that you access and that are caused by the use of a mobile network service provider or Internet access service provider, or by the use of a browser or other third-party software that is not under our control;

  12.8.3Viruses that may infiltrate your mobile device or other property as a result of the app or service's use or access to any content on the app or service;

  12.8.4 The unauthorized use or interception of any communication or data prior to its arrival at the application or our servers from the application;

  12.8.5 We will not be held accountable for any unauthorized use or access to data that we maintain about you or your transactions, unless such use or access is the result of our negligence, misconduct, or violation of the laws that protect your data, to the fullest extent permitted by applicable law.

  12.8.6 Any content that originates from external sources.

13. THIRD-PARTY SITES AND APPLICATIONS DISCLAIMER

• 13.1 The service or the App may include connections and references to other mobile applications or websites that are operated and maintained by third parties ('Third Party Sites or Apps'). These connections are intended to serve as a resource for content that may be of interest to you. We do not suggest or endorse any products, services, data, commodities, concepts, or viewpoints that may be found on any third-party sites or applications by placing a link to them.

  13.2 We do not provide any explicit or implied representations or guarantees regarding the accuracy, completeness, dependability, or appropriateness of the content of any third-party sites or applications. We cannot guarantee that any third-party site or application will be immune to claims of copyright, trademark, or other forms of infringement. We do not guarantee the absence of viruses or other forms of contamination on any third-party site or application.

  13.3 You are aware that third-party websites and applications may have privacy policies that differ from ours and may provide less security. You are in complete control of whether or not to use or access any third-party site or application, as well as whether or not to purchase or utilize any products or services that are advertised or offered on the site.

14. AGREEMENT TO RECEIVE MARKETING COMMUNICATIONS DIRECTLY

• You consent to receiving direct marketing communications from us by utilizing the services. To opt out of receiving marketing communications from us, please designate your preference in the appropriate correspondence.

15. RESOLUTION OF DISPUTES

• 15.1 These Terms of Use (and any and all disputes that arise out of or in connection with these Terms of Use, including any alleged breach, or challenge to the validity or enforceability of these Terms of Use or any provision hereof) will be governed by the laws of Nigeria, unless the law in your territory requires otherwise. In that event, the laws of your jurisdiction will govern these Terms of Use.

  15.2 Unless otherwise specified in this document, any disagreement, query, or dispute that arises out of or related to these Terms of Use will be submitted for final resolution to a single arbitrator, unless the parties hereto have otherwise agreed. Alternatively, in the absence of such an agreement, the chairman of the Nigeria Branch of the Chartered Institute of Arbitrators ('Institute') may comply with the request of either party within seven (7) days of the other party informing the chairman of the dispute.

  15.3 The arbitration will be conducted in Lagos, Nigeria, in accordance with the Nigerian Arbitration and Conciliation Act.

  15.4 The arbitrator's decision will be legally binding on the parties to the fullest extent permitted.

  15.5 In the interim, either party may initiate any form of legal action to secure preliminary injunctive relief or interim or conservatory measures from any court of competent jurisdiction until the arbitrator issues a final decision or award.

16. SPEAKING IN A GENERAL MANNER

• 16.1 We will not be held accountable for any delay or performance failure that is caused by events beyond our reasonable control.

  16.2 You are prohibited from disclosing any sensitive information regarding the operations, affairs, customers, clients, or suppliers of us or any of our affiliates to any individual at any time.

  16.3 You acknowledge and agree that we may, at our sole discretion, assign or transfer all or a portion of the creditor's rights to the loan without prior notice. Your obligations under these Terms will not be impacted by the aforementioned Transfer. The payment must be made in accordance with the instructions provided on the application.

  16.4 We reserve the right to amend these Terms of Use at our sole discretion. We will make every effort to inform you of any significant modifications to the Terms of Use; however, you acknowledge and consent that it is your responsibility to examine the Terms of Use on a regular basis. By continuing to utilize the system and service, you will be deemed to have consented to these modifications.

  16.5 The rights and remedies that are granted by law are cumulative and not exclusive of the rights and remedies that are granted to each party under these Terms of Use. They can only be renounced in writing and in an explicit manner. Failure to exercise or delay in exercising any right does not constitute its waiver.

  16.6 The parties have mutually agreed and comprehended all of the information in these Terms of Use, and any prior agreements or understandings between the parties regarding such subject matter are superseded. Furthermore, the parties expressly disclaim any implied statements of fact. The parties have not relied on any statement, representation, guarantee, understanding, undertaking, promise, or assurance of any person in entering into these Terms of Use, except as specifically provided in these Terms of Use or as inferred by applicable law. Each party irrevocably and unconditionally relinquishes all claims, rights, and remedies that it may have had in the absence of this clause with respect to any of the aforementioned. These Terms of Use do not limit or exclude liability for fraud or any other liability that is not permissible under applicable law.

  16.7 You are prohibited from assigning, sublicensing, transferring, subcontracting, or otherwise disposing of any of your rights or obligations under these Terms of Use without our prior written agreement. We may, at any time, assign, sublicense, transfer, sublet, or otherwise deal with Our rights or responsibilities under these Terms of Use without prior notice or consent, with the exception of situations where Applicable Law requires it.

  16.8 If any court or appropriate authority determines that any portion of these Terms of Use is unlawful, void, or unenforceable under applicable law, the remaining portions will remain in full force and effect. The relevant component of these Terms of Use will be replaced with a provision that is lawful, valid, and enforceable, and is equivalent to the substituted portion, to the greatest extent possible.

  16.9 No provision of these Terms of Use may be relied upon or enforced by an individual who is not a party to them.

  16.10 We may notify you by sending an email to the address you have supplied in your account, posting a general notice on the App or the system, or both. You may notify us by sending an email to service@flashcredit-ng.com.

  16.11 If you have any questions or suggestions regarding the service or the system, please send an email to service@flashcredit-ng.com.

17. THE DISCIPLINARY PROCEDURE FOR LOAN COLLECTION AND CUSTOMER COMMUNICATION

• All employees are required to consistently demonstrate and communicate professionalism and morality when engaging with customers, regardless of whether they are in debt.

• Loan Collectors, Recovery Agents, and customer service agents are prohibited from insulting, abusing, degrading, defaming, or threatening customers and their contacts in any capacity, whether in an effort to collect loans or address complaints. An employee who engages in any of the aforementioned activities is doing so on their own initiative and will be held accountable for the full repercussions of their decisions.

18. SERVICE PROMOTION AND ADVERTISING

• We are committed to ensuring that all marketing materials and advertisements are in accordance with the Nigerian Code of Advertising Practice, which is administered by the Advertising Practitioners Council of Nigeria, and all other relevant laws and regulations that are currently in effect in the Federal Republic of Nigeria. Additionally, we guarantee that each of its advertisements will be honest, honorable, and forthright. These products will also be produced with a strong sense of social responsibility and in accordance with the principles of fair competition.

19. UNINVITED PHONE SALES

• We will not engage in unsolicited telemarketing unless it is disclosed:

• 19.1 It is crucial to specify the precise objective of the message and the sender's or the individual on whose behalf the communication is being made from the outset.

  19.2 the comprehensive details of any product or service that is the subject of the communication;

• We will also participate in telemarketing in accordance with any 'call' or 'do-not-call' preferences that the customer has recorded at the time of signing a service contract or later, as well as any other regulations that may be periodically published by a competent body.

• 19.3 Consumers are not subjected to unsolicited voice calls or brief message services without their consent.

  19.4 Customers must always have the option to approve or decline unsolicited voicemails or brief message services.

  19.5 We have simplified all of these processes to provide clients with the choice of either opting out of receiving any unsolicited voice calls or brief message services or selecting the category of unsolicited calls or short message services they wish to receive.

20. PRACTICES FOR CONSUMER BILLING, CHARGING, COLLECTION, AND CREDIT

• At all times, we guarantee that:

• 20.1 The veracity of billing can be independently verified.

  20.2 In order to verify the bill, the consumer must have unrestricted access to the information on the bill or elsewhere.

  20.3 We will furnish customers with accurate, expeditious, and current information regarding the terms and conditions of the invoice, as well as any pertinent alternatives, upon receipt of a sincere request.

  20.4 It maintains a record of a client's bill and associated expenses for a minimum of one year (12 months); and

• The Licensee's systems for recording and processing are included in the interpretation of the duties outlined in this section when the terms 'billing' or 'bill' are used.

21. MANAGING DISAPPOINTMENTS

• 21.1 In a variety of media and formats, we will provide information that is readily comprehensible regarding our complaint procedures. Additionally, we will occasionally publish any additional pertinent information that we discover.

  21.2 The information must be readily comprehensible and must include all pertinent information regarding complaint procedures.

  21.3 We will establish a complaint management policy that provides an array of transparent, user-friendly, and efficient complaint procedures, as well as access to Alternative Dispute Resolution (ADR).

  21.4 We guarantee that consumers will be able to effortlessly determine how to file a complaint.

  21.5 The information regarding the complaints management procedures must include information regarding the consumer's right to submit a complaint.

  21.5.1 on how to contact us in order to file a complaint; and

  21.5.2 the types of corroborating data, such as documents, that the complainant must include with the complaint.

  21.5.3 All complaints will be documented and addressed in accordance with the current policies and procedures.

22. THE PROCESS FOR REPORTING AN INCIDENT

• We will ensure that the procedures for receiving and managing complaints do not unduly discourage consumers from submitting them. Complaints will be addressed through the subsequent procedure: service@flashcredit-ng.com

23. DISCLAIMER OF WARRANTIES

• We guarantee that any disclaimer that appears in an advertisement is comprehensible.

• 23.1 The disclaimer does not contradict the primary objective or message of the advertisement;

  23.2 The disclaimer's text is plain and concise in light of the media or format employed; and

  23.3 The advertisement's recipient or intended audience is specified.